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SACCO Credit Product

Emergency Loan - Main SACCO

Fair, transparent SACCO credit backed by your cooperative savings

Apply in Member Portal Start the guided Member Portal application Talk to a Specialist Request a callback via Mobile Money phone
Member benefit

Transparent pricing

Full Key Fact Statement shown upfront with zero hidden charges.

Member benefit

Mobile Money ready

Supports M-Pesa, MTN Mobile Money, and Airtel Money across East Africa.

Member benefit

Unchangeable Audit Trail

Tamper-proof ledger records protect both borrowers and guarantors.

Overview

About this product

Offers a guided digital path from application to instant Mobile Money disbursement with full SASRA, UMRA, and TCDC regulatory compliance.

Product profile

How it is structured

  • Repayment method: Flat Rate (Add-on Interest)
  • Repayment term window: 3-12 months
  • Up to 2 guarantor(s)
  • Up to 2 referee(s)
  • Disbursement & Repayment: Mobile Money (M-Pesa / MTN / Airtel)
Apply in Member Portal
Specific requirements

What to prepare before applying

  • Valid National ID (Kenya ID, Uganda NIN, or Tanzania NIDA)
  • Active Mobile Money phone number (M-Pesa, MTN, or Airtel)
  • Active SACCO membership and minimum share/savings contribution
  • Up to 2 fellow SACCO guarantor(s) may be required
  • Up to 2 referee(s) may be required
Application flow

Process at a glance

  1. Select this loan product and confirm your borrowing amount
  2. Complete digital guarantor consent and attach required documents
  3. Submit through the Member Portal for automated credit scoring
  4. Receive instant Mobile Money payout and SMS confirmation
East African Callback Desk

Ask about Emergency Loan - Main SACCO

Share your Kenya (+254), Uganda (+256), or Tanzania (+255) phone number and our specialist team will call you.